rewrite this title and make it good for SEOICICI Bank Q2 results: PAT rises 5% YoY to Rs 12,359 cr, NII grows 7%

The country’s second-largest private lender ICICI Bank reported a 5.2% year-on-year growth in profit after tax to Rs 12,359 crore for the quarter ended Q2FY26, while also posting a healthy 7.4% growth in its net interest income (NII) to Rs 21,529 crore from Rs 20,048 crore in the same quarter last year.

The net interest margin (NIM) stood at 4.30%. ICICI Bank reported a 6.5% year-on-year growth in core operating profit to Rs 17,078 crore in Q2FY26, compared to Rs 16,043 crore in the year-ago period.

The bank’s provisions (excluding tax) declined to Rs 914 crore in Q2FY26 from Rs 1,233 crore in Q2FY25 and Rs 1,815 crore in Q1FY26.

Meanwhile, the average deposits rose by 9.1% year-on-year and 1.6% sequentially to Rs 15,57,449 crore during the quarter, with the average current account deposits increasing 12.6% and savings account deposits rising 8.5% year-on-year.

The CASA ratio stood at 39.2% in Q2FY26.

Total period-end deposits rose by 7.7% year-on-year to Rs 16,12,825 crore as of September 30, 2025. The domestic loan portfolio expanded 10.6% year-on-year to Rs 13,75,260 crore.ICICI Bank’s branch network reached 7,246 branches and 10,610 ATMs and cash recycling machines at the end of the reporting period.The bank noted that its capital adequacy ratio stood at 17.00%, and the CET-1 ratio was 16.35% on a standalone basis as of September 30, 2025, both well above the regulatory requirements of 11.70% and 8.20%, respectively.